BANKLARDA MUAMMOLI KREDITLARNI KAMAYTIRISH YO‘LLARI
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Abstract:
Bank sektori har qanday milliy iqtisodiyotning asosiy tayanchi hisoblanadi. Ushbu sektor moliyaviy resurslarni boshqarish, kreditlash, investitsiya loyihalarni moliyalashtirish va iste’molchilarga turli xizmatlar ko‘rsatish orqali iqtisodiyotning o‘sishini rag‘batlantiradi. Biroq, bank tizimida paydo bo‘ladigan muammoli kreditlar, ya’ni o‘z vaqtida to‘lanmay qolgan yoki muddati o‘tib ketgan qarzlar, banklarning moliyaviy barqarorligiga va umuman iqtisodiyotga jiddiy tahdid soladi. Shunday bois, muammoli kreditlarni samarali boshqarish banklar uchun nafaqat moliyaviy barqarorlikni saqlash, balki umumiy iqtisodiy farovonlikni ta’minlashda ham muhim ahamiyat kasb etadi.
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References:
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